# RWA Platform High Fidelity Prototype V2

This is the second-generation English prototype for the RWA platform. It is intentionally more mature than the initial strategic wireframe and is designed for product, bank and stakeholder discussions.

Version 2.1 adds an important product correction: a pool is no longer mandatory. The platform now treats **Offering** as the parent concept. An offering can be either a pooled portfolio or a standalone tokenized asset.

## Open the Prototype

Open:

`index.html`

The file is static and can be opened directly in a browser.

## What V2 Improves

- More realistic fintech interface structure.
- Actor-specific navigation for Investor, Bank, Validator and Central Admin.
- Clear investor gate: public browsing, wallet connection, registration, KYC, profile and eligibility.
- Bank operations console with tokenized offering creation, treasury, liquidity and sick contract replacement.
- Asset Factory with two structures: pool of contracts or standalone tokenized asset.
- Standalone tokenized asset setup with predefined quantity, unit value and bank-defined rules.
- Validator desk with document review, exceptions and publication blockers.
- Admin executive dashboard with platform performance, bank ranking and audit visibility.
- User access control split by read-only, reports, operations and sensitive transactions.
- Reports with actor scope, operation type, date, contract and open search.
- Risk and token reference engine with the generic reference value formula.
- Operational ledger connecting orders, liquidity, publication, replacement and material events.

## Preserved Business Rules

- No secondary market in the MVP.
- Bank provides liquidity.
- Token reference value is calculated daily from fundamentals and written offering rules, not speculative trading.
- Offerings only become visible after validator review and admin publication.
- LMO protects pooled-offering liquidity and withdrawal execution.
- Standalone assets can have their own liquidity, redemption, lockup or transfer rules defined at issuance.
- Sick contract replacement is native for pools; standalone assets follow their own written amendment or event rules.
- Retail access to high or very high risk depends on suitability, limits, reinforced acceptance and offering rules.

## Offering Structures

### Pool of Contracts

The bank assembles multiple contracts into one tokenized offering. The pool uses NAV, LMO, replacement rules, risk classification and daily reference value recalculation.

### Standalone Tokenized Asset

The bank can create a tokenized asset without creating a pool. The asset can be issued with:

- Predefined token quantity.
- Value per asset or unit.
- Bank-defined rules.
- Validator review before publication.
- Investor eligibility rules by profile and offer restrictions.

The detailed rule set for standalone assets is intentionally marked as pending, because it will be written later.

## Disclaimer

This is still a prototype. It is not production software, legal documentation, an investment offer or a promise of return.